Cigars and Health Insurance

[daleo8803]

Man I guess I'm doing pretty good! Lol I work for a large company ( say 25k + employees worldwide) but there is no smoking policy. It's very basic, single or family. Lol they use blue cross for their insurance ATM.

 

[ckay]

Those are most likely non smoker rates

 

[Jfire]

456 for 30 years/term 500k
Past the two year window of waivers. Still a non smoker. Except when I'm in a house fire doing overhaul.....

Edit: let them prove my line of work didn't kill me chronically>cigars
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[kimene16]

Urine test showed .280, insurance company (Kaiser) considered it 'SECOND HAND.' BTW, I average 2 a day. My premium did not increase at all.

 

[Shlippy]

"Tobacco means all tobacco products including but not limited to cigarettes, cigars and chewing tobacco. You should only check the "yes" box above if tobacco was used more than 4 times per week on average (excluding religious and ceremonial use) within the past 6 months by someone of legal age to purchase tobacco in the state of residence."

Picking out a cigar from the humidor, unwrapping it, smelling it, sitting down with a drink, cutting, lighting, smoking and relaxing counts as a "ceremony" in my book.

 

[Old Stogie]

I'm retired and on Medicare.
I smoke pipes and cigars and I find no questions on tobacco use.
I tell my liberal friends to redo the national seal and take the tobacco leaf off.
I also ride motorcycles and have never been asked about that during my 41 years of work.
I'm sorry that you'al are affected by restrictions.


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[ChuckMejia]

I'm retired and on Medicare.
I smoke pipes and cigars and I find no questions on tobacco use.
I tell my liberal friends to redo the national seal and take the tobacco leaf off.
I also ride motorcycles and have never been asked about that during my 41 years of work.
I'm sorry that you'al are affected by restrictions.


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You have liberal friends?

 

[Old Stogie]

A reduced number. The main one is a lawyer. I moved to NH from Mi and the liberals here are different.


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[3/5King]

Picking out a cigar from the humidor, unwrapping it, smelling it, sitting down with a drink, cutting, lighting, smoking and relaxing counts as a "ceremony" in my book.

This is very true and who are they to argue that fact.. I'd use it

 

[ColdSmoke]

Terrible advice to lie on a health insurance form. TERRIBLE! Do you love you're family? Because their the ones who will suffer because you wanted to save freaking $40 a damn year. How much have you spent on cigars this week? C'mon...we all know insurance companies do everything they can to not pay claims. You die, toxicology shows nicotine...boom your family is SOL on life insurance they would no doubt count on. Seriously to all the people who said "deny it" "just say no" ...etc, you may want to rethink your strategy...at the very least halt giving out dogshit advice.

 

[Shlippy]

This is very true and who are they to argue that fact.. I'd use it

If they don't define the term then it's whatever you want it to be.